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Debt letters for person not living at address - template letter request!
Hi all, I have searched but I can't find quite what I want. Without going into too many details as I am asking on behalf of a friend, I need a template letter for them to send to debt collection companies that are coming after a person who does not live at their address. The person involved is a bit older and so would…
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Lowell Portfolio
Afternoon Lowell Portfolio have wrote to me regarding a £1050 debt I apparently owe. I have challenged it and informed them I paid the original debt in full however the collection agent was not declaring the weekly payments and keeping them for herself. I have made a complaint to Lowell around some data protection issues…
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I'm really poor in saving money
:( My low salary!!!!! It's too bad. At the same time, I'm very poor in saving money. There always need money no matter what would you want to do! I have work for almost one year and haven't left a penny.......All the salary has paid to the landlord and the restaurant owner. So hope to get some useful ideas!
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Thursday 23rd July - What small debt free wannabee things will you do today?
When we start our debt free journey we focus on the big things that make huge differences to our money saving lives. Getting a better paid job. Cutting back on holidays abroad. Giving up the 2nd car. But over time to make progress we also need to focus each day on creating good habits that save us on the little things that…
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£6k on cards - what to do in future
Hi all, I've just taken some control of long-standing credit card debts, reduced my bills and worked hard enough to get a promotion, so what's happening at the moment is: £6k owed - £1.7k 0% until April 2017 on one card - £4.3k 0% until July 2017 on another - minimum payment each month (1%) £2k in current account -…
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A little lost and unsure of what to do next
Hi, I'm a little nervous posting here, since I'm not really familiar with the site, and I'm also in the US at the moment. My friend suggested I tried looking around here and asking for help, and since I'm not quite sure whether I should be asking here or not, I thought maybe I'd just jump in and make a post to see if I can…
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Overdraft
I have a 1800 ARRANGED overdraft which I max out most months. I am beginning to pay aroun 35 pounds a month interest (it was a graduate account and is now not) I am going to teach English for 5 months abroad. I know I should have paid off my overdraft before but I got offered it as an oppurtunity and don't want to miss…
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What does 'zero curbl on sold acct' mean?
Hi, Newbie to posting here but been lurking and reading for a long time. I am on a DMP with Step Change and have been for 5 years since getting into financial difficulties with my ex partner when he lost job and I was pregnant/on mat leave. Anyway I am on the DMP and I try to ensure all my balances and financial situation…
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In search of a diary...
Back when I joined this site, I spent ages reading over some of the long threads, and there was one in particular that made a real impact on me. I've been looking for it again ever since and just can't find it. I think it was a debt-free diary of a young man who was living on minimum wage, and who got a job miles away from…
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Wanting to be debt free...need help!
Hello everyone! I joined around 4 years ago when I was 20 years old and wanting to get out of debt. Unfortunately, I was still immature and racking up the debt without making payments. I recently decided this NEEDS to stop so I'm here to try and conquer it. The only thing is I have no idea where to start. So, I recently…
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Full and final offer on a secured debt
I may be in a position to finally clear my debts sometime in the next few weeks all thanks to a relative. However the main one that I am concerned about is secured against my property by means of a charging order. This was put in place about 5 years ago, even though my payments were up to date. Now do I treat this debt in…
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Anyone in a group which supports overspenders/debtors in London?
Hello lovely people, I've decided that I need to do more to control my overspending, which is increasing my debt and straining relationships in my family. Do any of you know of a group which meets in London (specifically Westminster/Central areas) which I could join which would be able to offer support and motivation?
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reducing pension contributions
Next month I will be 45 and the employer pension contributions increase from 6% to 9%, which is nice. My personal contribution is also 6%, so currently I've got a 12% contribution. Whilst looking into all this, I've discovered the personal contribution is now voluntary, I could pay 0% or 50% if I wanted. It used to be…
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What happens to debts?
Please someone resolve the [STRIKE]argument[/STRIKE] debate me and my partner are having. What happens to a debt when someone goes into DMP? My partner believes that the creditor is paid by their insurers whereas I just cannot believe that would happen. I could imagine that happening should someone file for bankruptcy but…
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Weds 22 July 2015. What small dfw stuff will you do today?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky :Dand the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress,…
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My lightbulb moment now I need some advice.
Ok tonight I had my lightbulb moment. !!!! has hit the fan well and truly once again! My situation: just moved in with partner. And 2 wonderful children, previously a single mother working in own business so able to claim tax credits. But these have stopped completely due to moving in with partner. Tonight t totalled up my…
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My CFO lending story
I (stupidly) took out a payday loan with CFO lending a few years back. In total, I borrowed £680, I fell into difficulty, couldn't pay back in full. The took almost £700 in one night in a number of transactions of around £50 each. The bank refused to help. CFO were down rightrude, unhelpful and just a horrid company to…
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SOA - Help Please!
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 630 Partners monthly income after tax....... 1550…
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How can I remove Santander default?
So I've just checked my credit rating and it's very poor and the main problem is a Santander default from two years ago which hasn't been resolved. I need to look through all my letters to remember as I've forgotten stuff but from what I know I will mention now.. I joined Santander about 3 or 4 years ago. I had a phone…
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Full and final offer
I had a full and final settlement letter from Lowell and I accepted and paid the £30. Today I received a letter thanking me for the repayment and to contact them to pay off the outstanding balance. Is this normal practice or are they chancing their arm? Should I write to them again, would anyone have a template letter I…
